Call reports 2014
FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER — 2014
What FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 256,096,000 | 254,777,000 | 252,234,000 | 253,229,000 |
| Total loans | 225,948,000 | 224,639,000 | 224,745,000 | 224,068,000 |
| Allowance for loan losses | 300,000 | 370,000 | 373,000 | 475,000 |
| Securities available for sale | 4,028,000 | 4,033,000 | 4,014,000 | 5,265,000 |
| Securities held to maturity | 3,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,247,000 | 215,745,000 | 213,307,000 | 214,794,000 |
| Interest-bearing deposits | 212,599,000 | 209,072,000 | 206,528,000 | 207,837,000 |
| Noninterest-bearing deposits | 6,648,000 | 6,673,000 | 6,779,000 | 6,957,000 |
| Equity capital | 24,940,000 | 25,104,000 | 25,183,000 | 25,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,584,000 | 5,178,000 | 7,733,000 | 10,260,000 |
| Interest expense | 481,000 | 935,000 | 1,385,000 | 1,839,000 |
| Net interest income | 2,103,000 | 4,243,000 | 6,348,000 | 8,421,000 |
| Noninterest income | 131,000 | 264,000 | 379,000 | 501,000 |
| Noninterest expense | 1,938,000 | 3,856,000 | 5,807,000 | 7,424,000 |
| Provision for loan losses | 99,000 | 207,000 | 332,000 | 787,000 |
| Pretax income | 197,000 | 444,000 | 588,000 | 711,000 |
| Income tax | 73,000 | 163,000 | 218,000 | 271,000 |
| Net income | 124,000 | 281,000 | 370,000 | 440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,940,000 | 25,096,000 | 25,185,000 | 25,257,000 |
| Total capital | 25,240,000 | 25,466,000 | 25,558,000 | 25,732,000 |
| Risk-weighted assets | 131,014,000 | 130,084,000 | 129,745,000 | 129,445,000 |